Automobile Loan default Profiling Report

Dataset statistics

Number of variables	35
Number of observations	121856
Missing cells	0
Missing cells (%)	0.0%
Duplicate rows	3535
Duplicate rows (%)	2.9%
Total size in memory	32.5 MiB
Average record size in memory	280.0 B

Variable types

NUM	15
BOOL	10
CAT	10

Reproduction

Analysis started	2021-11-27 07:07:24.688711
Analysis finished	2021-11-27 07:08:44.787137
Duration	1 minute and 20.1 seconds
Version	pandas-profiling v2.8.0
Command line	`pandas_profiling --config_file config.yaml [YOUR_FILE.csv]`
Download configuration	config.yaml

Warnings

Dataset has 3535 (2.9%) duplicate rows	Duplicates
`Type_Organization` has a high cardinality: 58 distinct values	High cardinality
`Client_Income` is highly skewed (γ1 = 37.70687551)	Skewed
`Population_Region_Relative` is highly skewed (γ1 = 246.4131264)	Skewed
`Child_Count` has 86472 (71.0%) zeros	Zeros
`Application_Process_Day` has 6287 (5.2%) zeros	Zeros
`Phone_Change` has 14555 (11.9%) zeros	Zeros
`Credit_Bureau` has 28003 (23.0%) zeros	Zeros

Client_Income
Real number (ℝ_≥0)

SKEWED

Distinct count	1216
Unique (%)	1.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	16791.917343749996
Minimum	2565.0
Maximum	1800009.0
Zeros	0
Zeros (%)	0.0%
Memory size	952.0 KiB

Quantile statistics

Minimum	2565
5-th percentile	6750
Q1	11250
median	14400
Q3	20250
95-th percentile	33300
Maximum	1800009
Range	1797444
Interquartile range (IQR)	9000

Descriptive statistics

Standard deviation	11373.08972
Coefficient of variation (CV)	0.6772954804
Kurtosis	5148.16906
Mean	16791.91734
Median Absolute Deviation (MAD)	4050
Skewness	37.70687551
Sum	2046195880
Variance	129347169.9

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
13500	13717	11.3%
11250	11940	9.8%
15750	10146	8.3%
18000	9514	7.8%
9000	8705	7.1%
22500	7975	6.5%
20250	6309	5.2%
14400	4833	4.0%
6750	4190	3.4%
27000	4147	3.4%
Other values (1206)	40380	33.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
2565	1	< 0.1%
2610	1	< 0.1%
2646	1	< 0.1%
2700	25	< 0.1%
2790	5	< 0.1%

Value	Count	Frequency (%)
1800009	1	< 0.1%
675000	1	< 0.1%
450000	3	< 0.1%
395005.95	1	< 0.1%
382500	1	< 0.1%

Car_Owned
Boolean

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

0	81305
1	40551

Frequency Table

Value	Count	Frequency (%)
0	81305	66.7%
1	40551	33.3%

Bike_Owned
Boolean

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

0	82572
1	39284

Frequency Table

Value	Count	Frequency (%)
0	82572	67.8%
1	39284	32.2%

Active_Loan
Boolean

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

0	62843
1	59013

Frequency Table

Value	Count	Frequency (%)
0	62843	51.6%
1	59013	48.4%

House_Own
Boolean

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

1	85459
0	36397

Frequency Table

Value	Count	Frequency (%)
1	85459	70.1%
0	36397	29.9%

Child_Count
Real number (ℝ_≥0)

ZEROS

Distinct count	14
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	0.4053062631302521
Minimum	0.0
Maximum	19.0
Zeros	86472
Zeros (%)	71.0%
Memory size	952.0 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	0
Q3	1
95-th percentile	2
Maximum	19
Range	19
Interquartile range (IQR)	1

Descriptive statistics

Standard deviation	0.7213533491
Coefficient of variation (CV)	1.779773506
Kurtosis	12.4822452
Mean	0.4053062631
Median Absolute Deviation (MAD)	0
Skewness	2.238812197
Sum	49389
Variance	0.5203506542

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
0	86472	71.0%
1	23431	19.2%
2	10294	8.4%
3	1430	1.2%
4	167	0.1%
5	34	< 0.1%
6	12	< 0.1%
7	4	< 0.1%
14	4	< 0.1%
10	3	< 0.1%
Other values (4)	5	< 0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	86472	71.0%
1	23431	19.2%
2	10294	8.4%
3	1430	1.2%
4	167	0.1%

Value	Count	Frequency (%)
19	1	< 0.1%
14	4	< 0.1%
12	1	< 0.1%
10	3	< 0.1%
9	1	< 0.1%

Credit_Amount
Real number (ℝ_≥0)

Distinct count	4175
Unique (%)	3.4%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	59798.86609850971
Minimum	4500.0
Maximum	405000.0
Zeros	0
Zeros (%)	0.0%
Memory size	952.0 KiB

Quantile statistics

Minimum	4500
5-th percentile	14220
Q1	27450
median	51750
Q3	80865
95-th percentile	135000
Maximum	405000
Range	400500
Interquartile range (IQR)	53415

Descriptive statistics

Standard deviation	39768.99602
Coefficient of variation (CV)	0.6650459886
Kurtosis	2.054969419
Mean	59798.8661
Median Absolute Deviation (MAD)	24750
Skewness	1.265143742
Sum	7286850627
Variance	1581573045

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
51750	3744	3.1%
45000	3733	3.1%
67500	3450	2.8%
22500	3127	2.6%
18000	2761	2.3%
27000	2748	2.3%
90000	2366	1.9%
25470	1759	1.4%
54504	1726	1.4%
80865	1584	1.3%
Other values (4165)	94858	77.8%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
4500	76	0.1%
4797	77	0.1%
4945.5	10	< 0.1%
4950	13	< 0.1%
4975.2	23	< 0.1%

Value	Count	Frequency (%)
405000	3	< 0.1%
403103.25	1	< 0.1%
386001.9	1	< 0.1%
329968.8	1	< 0.1%
315000	6	< 0.1%

Loan_Annuity
Real number (ℝ_≥0)

Distinct count	10856
Unique (%)	8.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	2712.4820012966125
Minimum	217.35
Maximum	22500.0
Zeros	0
Zeros (%)	0.0%
Memory size	952.0 KiB

Quantile statistics

Minimum	217.35
5-th percentile	900
Q1	1687.5
median	2499.75
Q3	3407.9625
95-th percentile	5324.85
Maximum	22500
Range	22282.65
Interquartile range (IQR)	1720.4625

Descriptive statistics

Standard deviation	1432.884876
Coefficient of variation (CV)	0.5282559941
Kurtosis	9.546879866
Mean	2712.482001
Median Absolute Deviation (MAD)	841.05
Skewness	1.730310386
Sum	330532206.8
Variance	2053159.068

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
2499.75	4857	4.0%
900	2370	1.9%
1350	2091	1.7%
675	845	0.7%
1012.5	774	0.6%
3780	621	0.5%
2621.7	570	0.5%
1125	566	0.5%
1237.5	487	0.4%
3165.3	475	0.4%
Other values (10846)	108200	88.8%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
217.35	2	< 0.1%
218.7	2	< 0.1%
229.5	1	< 0.1%
241.2	2	< 0.1%
258.3	1	< 0.1%

Value	Count	Frequency (%)
22500	14	< 0.1%
21329.1	1	< 0.1%
20821.5	1	< 0.1%
20646.45	2	< 0.1%
20616.75	1	< 0.1%

Accompany_Client
Categorical

Distinct count	7
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

Alone	97409
Relative	15748
Partner	4516
Other	1758
Kids	1334
Other values (2)	1091

Common Values
Length

Value	Count	Frequency (%)
Alone	97409	79.9%
Relative	15748	12.9%
Partner	4516	3.7%
Other	1758	1.4%
Kids	1334	1.1%
Others	987	0.8%
Group	104	0.1%

Length

Max length	8
Median length	5
Mean length	5.458976169
Min length	4

Client_Income_Type
Categorical

Distinct count	9
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

Service	61028
Commercial	27764
Retired	21043
Govt Job	8303
Other	3701
Other values (4)	17

Common Values
Length

Value	Count	Frequency (%)
Service	61028	50.1%
Commercial	27764	22.8%
Retired	21043	17.3%
Govt Job	8303	6.8%
Other	3701	3.0%
Student	8	< 0.1%
Unemployed	6	< 0.1%
Maternity leave	2	< 0.1%
Businessman	1	< 0.1%

Length

Max length	15
Median length	7
Mean length	7.691233915
Min length	5

Client_Education
Categorical

Distinct count	6
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

Secondary	83911
Graduation	28819
Graduation dropout	3960
Other	3645
Junior secondary	1455

Common Values
Length

Value	Count	Frequency (%)
Secondary	83911	68.9%
Graduation	28819	23.7%
Graduation dropout	3960	3.2%
Other	3645	3.0%
Junior secondary	1455	1.2%
Post Grad	66	0.1%

Length

Max length	18
Median length	9
Mean length	9.492909664
Min length	5

Client_Marital_Status
Categorical

Distinct count	5
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

M	87349
S	17404
D	7556
W	6074
Other	3473

Common Values
Length

Value	Count	Frequency (%)
M	87349	71.7%
S	17404	14.3%
D	7556	6.2%
W	6074	5.0%
Other	3473	2.9%

Length

Max length	5
Median length	1
Mean length	1.114003414
Min length	1

Client_Gender
Categorical

Distinct count	4
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

Male	78463
Female	40977
Other	2413
XNA	3

Common Values
Length

Value	Count	Frequency (%)
Male	78463	64.4%
Female	40977	33.6%
Other	2413	2.0%
XNA	3	< 0.1%

Length

Max length	6
Median length	4
Mean length	4.692325368
Min length	3

Loan_Contract_Type
Categorical

Distinct count	3
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

CL	107118
RL	11087
Other	3651

Common Values
Length

Value	Count	Frequency (%)
CL	107118	87.9%
RL	11087	9.1%
Other	3651	3.0%

Length

Max length	5
Median length	2
Mean length	2.089884782
Min length	2

Client_Housing_Type
Categorical

Distinct count	7
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

Home	104870
Family	5783
Municipal	4248
Other	3687
Rental	1816
Other values (2)	1452

Common Values
Length

Value	Count	Frequency (%)
Home	104870	86.1%
Family	5783	4.7%
Municipal	4248	3.5%
Other	3687	3.0%
Rental	1816	1.5%
Office	1002	0.8%
Shared	450	0.4%

Length

Max length	9
Median length	4
Mean length	4.353113511
Min length	4

Population_Region_Relative
Real number (ℝ_≥0)

SKEWED

Distinct count	100
Unique (%)	0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	0.02245252605534401
Minimum	0.000533
Maximum	100.0
Zeros	0
Zeros (%)	0.0%
Memory size	952.0 KiB

Quantile statistics

Minimum	0.000533
5-th percentile	0.005002
Q1	0.010032
median	0.01885
Q3	0.026392
95-th percentile	0.04622
Maximum	100
Range	99.999467
Interquartile range (IQR)	0.01636

Descriptive statistics

Standard deviation	0.4052712685
Coefficient of variation (CV)	18.05014133
Kurtosis	60787.35483
Mean	0.02245252606
Median Absolute Deviation (MAD)	0.008818
Skewness	246.4131264
Sum	2735.975015
Variance	0.164244801

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
0.01885	7813	6.4%
0.04622	5117	4.2%
0.030755	4639	3.8%
0.025164	4516	3.7%
0.031329	4257	3.5%
0.028663	4227	3.5%
0.035792	4159	3.4%
0.019101	3314	2.7%
0.072508	3303	2.7%
0.020713	3045	2.5%
Other values (90)	77466	63.6%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0.000533	17	< 0.1%
0.000938	12	< 0.1%
0.001276	194	0.2%
0.001333	94	0.1%
0.001417	189	0.2%

Value	Count	Frequency (%)
100	2	< 0.1%
0.072508	3303	2.7%
0.04622	5117	4.2%
0.035792	2108	1.7%
0.035792	4159	3.4%

Age_Days
Real number (ℝ_≥0)

Distinct count	17000
Unique (%)	14.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	16018.71339942227
Minimum	7676.0
Maximum	25201.0
Zeros	0
Zeros (%)	0.0%
Memory size	952.0 KiB

Quantile statistics

Minimum	7676
5-th percentile	9450
Q1	12512
median	15734
Q3	19544
95-th percentile	23181
Maximum	25201
Range	17525
Interquartile range (IQR)	7032

Descriptive statistics

Standard deviation	4301.353723
Coefficient of variation (CV)	0.2685205494
Kurtosis	-0.9859887638
Mean	16018.7134
Median Absolute Deviation (MAD)	3505
Skewness	0.1297887205
Sum	1951976340
Variance	18501643.85

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
15734	3630	3.0%
10936	22	< 0.1%
13327	21	< 0.1%
12334	21	< 0.1%
20193	21	< 0.1%
13231	21	< 0.1%
11073	20	< 0.1%
16622	20	< 0.1%
10065	20	< 0.1%
20972	20	< 0.1%
Other values (16990)	118040	96.9%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
7676	2	< 0.1%
7678	1	< 0.1%
7679	1	< 0.1%
7680	3	< 0.1%
7683	1	< 0.1%

Value	Count	Frequency (%)
25201	1	< 0.1%
25200	1	< 0.1%
25197	2	< 0.1%
25196	3	< 0.1%
25195	1	< 0.1%

Employed_Days
Real number (ℝ_≥0)

Distinct count	9949
Unique (%)	8.2%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	65200.30854451156
Minimum	0.0
Maximum	365243.0
Zeros	2
Zeros (%)	< 0.1%
Memory size	952.0 KiB

Quantile statistics

Minimum	0
5-th percentile	232
Q1	962
median	2212
Q3	5385
95-th percentile	365243
Maximum	365243
Range	365243
Interquartile range (IQR)	4423

Descriptive statistics

Standard deviation	137314.1891
Coefficient of variation (CV)	2.106035879
Kurtosis	0.983645745
Mean	65200.30854
Median Absolute Deviation (MAD)	1539
Skewness	1.726867528
Sum	7945048798
Variance	1.885518654e+10

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
365243	21098	17.3%
2212	3680	3.0%
381	69	0.1%
212	66	0.1%
230	64	0.1%
231	61	0.1%
116	60	< 0.1%
199	60	< 0.1%
216	59	< 0.1%
765	58	< 0.1%
Other values (9939)	96581	79.3%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	2	< 0.1%
2	2	< 0.1%
4	1	< 0.1%
6	1	< 0.1%
8	2	< 0.1%

Value	Count	Frequency (%)
365243	21098	17.3%
17546	2	< 0.1%
17170	1	< 0.1%
17139	1	< 0.1%
16678	2	< 0.1%

Registration_Days
Real number (ℝ_≥0)

Distinct count	14142
Unique (%)	11.6%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	4960.794913668592
Minimum	0.0
Maximum	23738.0
Zeros	35
Zeros (%)	< 0.1%
Memory size	952.0 KiB

Quantile statistics

Minimum	0
5-th percentile	343
Q1	2102
median	4493
Q3	7350
95-th percentile	11316
Maximum	23738
Range	23738
Interquartile range (IQR)	5248

Descriptive statistics

Standard deviation	3462.758841
Coefficient of variation (CV)	0.6980249943
Kurtosis	-0.2295366379
Mean	4960.794914
Median Absolute Deviation (MAD)	2608
Skewness	0.6119843055
Sum	604502625
Variance	11990698.79

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
4493	3651	3.0%
1	45	< 0.1%
6	38	< 0.1%
4	38	< 0.1%
9	38	< 0.1%
2	36	< 0.1%
0	35	< 0.1%
784	35	< 0.1%
511	35	< 0.1%
973	33	< 0.1%
Other values (14132)	117872	96.7%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	35	< 0.1%
1	45	< 0.1%
2	36	< 0.1%
3	27	< 0.1%
4	38	< 0.1%

Value	Count	Frequency (%)
23738	2	< 0.1%
22701	1	< 0.1%
21865	1	< 0.1%
21249	1	< 0.1%
20840	1	< 0.1%

ID_Days
Real number (ℝ_≥0)

Distinct count	5962
Unique (%)	4.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	2999.9722951680674
Minimum	0.0
Maximum	7197.0
Zeros	6
Zeros (%)	< 0.1%
Memory size	952.0 KiB

Quantile statistics

Minimum	0
5-th percentile	385
Q1	1789
median	3242
Q3	4263
95-th percentile	4928
Maximum	7197
Range	7197
Interquartile range (IQR)	2474

Descriptive statistics

Standard deviation	1475.314242
Coefficient of variation (CV)	0.4917759555
Kurtosis	-1.00893715
Mean	2999.972295
Median Absolute Deviation (MAD)	1143
Skewness	-0.3774094507
Sum	365564624
Variance	2176552.112

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
3242	6015	4.9%
4053	76	0.1%
4032	74	0.1%
4375	73	0.1%
4312	70	0.1%
4144	69	0.1%
4250	67	0.1%
4619	66	0.1%
4404	64	0.1%
4193	64	0.1%
Other values (5952)	115218	94.6%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	6	< 0.1%
1	22	< 0.1%
2	12	< 0.1%
3	23	< 0.1%
4	18	< 0.1%

Value	Count	Frequency (%)
7197	1	< 0.1%
6274	2	< 0.1%
6263	2	< 0.1%
6235	1	< 0.1%
6233	1	< 0.1%

Own_House_Age
Real number (ℝ_≥0)

Distinct count	55
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	10.082039456407562
Minimum	0.0
Maximum	69.0
Zeros	859
Zeros (%)	0.7%
Memory size	952.0 KiB

Quantile statistics

Minimum	0
5-th percentile	3
Q1	9
median	9
Q3	9
95-th percentile	19
Maximum	69
Range	69
Interquartile range (IQR)	0

Descriptive statistics

Standard deviation	7.21505548
Coefficient of variation (CV)	0.7156345213
Kurtosis	34.50981802
Mean	10.08203946
Median Absolute Deviation (MAD)	0
Skewness	5.186886074
Sum	1228557
Variance	52.05702558

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
9	82148	67.4%
7	3015	2.5%
3	2555	2.1%
6	2525	2.1%
2	2321	1.9%
8	2302	1.9%
4	2175	1.8%
1	2041	1.7%
10	1945	1.6%
14	1855	1.5%
Other values (45)	18974	15.6%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	859	0.7%
1	2041	1.7%
2	2321	1.9%
3	2555	2.1%
4	2175	1.8%

Value	Count	Frequency (%)
69	1	< 0.1%
65	392	0.3%
64	974	0.8%
63	2	< 0.1%
57	2	< 0.1%

Mobile_Tag
Boolean

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

1	121855
0	1

Frequency Table

Value	Count	Frequency (%)
1	121855	> 99.9%
0	1	< 0.1%

Homephone_Tag
Boolean

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

0	97424
1	24432

Frequency Table

Value	Count	Frequency (%)
0	97424	80.0%
1	24432	20.0%

Workphone_Working
Boolean

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

0	87590
1	34266

Frequency Table

Value	Count	Frequency (%)
0	87590	71.9%
1	34266	28.1%

Client_Occupation
Categorical

Distinct count	19
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

Other	41435
Laborers	21024
Sales	12136
Core	10611
Managers	8099
Other values (14)	28551

Common Values
Length

Value	Count	Frequency (%)
Other	41435	34.0%
Laborers	21024	17.3%
Sales	12136	10.0%
Core	10611	8.7%
Managers	8099	6.6%
Drivers	7150	5.9%
High skill tech	4317	3.5%
Accountants	3766	3.1%
Medicine	3172	2.6%
Security	2683	2.2%
Other values (9)	7463	6.1%

Length

Max length	18
Median length	5
Mean length	6.748892135
Min length	2

Client_Family_Members
Real number (ℝ_≥0)

Distinct count	15
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	2.1512769170168067
Minimum	1.0
Maximum	16.0
Zeros	0
Zeros (%)	0.0%
Memory size	952.0 KiB

Quantile statistics

Minimum	1
5-th percentile	1
Q1	2
median	2
Q3	3
95-th percentile	4
Maximum	16
Range	15
Interquartile range (IQR)	1

Descriptive statistics

Standard deviation	0.9038706554
Coefficient of variation (CV)	0.4201554194
Kurtosis	3.212538514
Mean	2.151276917
Median Absolute Deviation (MAD)	0
Skewness	1.053342754
Sum	262146
Variance	0.8169821617

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
2	64062	52.6%
1	26213	21.5%
3	20434	16.8%
4	9583	7.9%
5	1349	1.1%
6	157	0.1%
7	32	< 0.1%
8	11	< 0.1%
9	4	< 0.1%
12	3	< 0.1%
Other values (5)	8	< 0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
1	26213	21.5%
2	64062	52.6%
3	20434	16.8%
4	9583	7.9%
5	1349	1.1%

Value	Count	Frequency (%)
16	2	< 0.1%
15	1	< 0.1%
14	1	< 0.1%
13	1	< 0.1%
12	3	< 0.1%

Cleint_City_Rating
Categorical

Distinct count	3
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

2	91358
3	17043
1	13455

Common Values
Length

Value	Count	Frequency (%)
2	91358	75.0%
3	17043	14.0%
1	13455	11.0%

Length

Max length	3
Median length	3
Mean length	3
Min length	3

Application_Process_Day
Real number (ℝ_≥0)

ZEROS

Distinct count	7
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	3.1565536370798317
Minimum	0.0
Maximum	6.0
Zeros	6287
Zeros (%)	5.2%
Memory size	952.0 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	2
median	3
Q3	5
95-th percentile	6
Maximum	6
Range	6
Interquartile range (IQR)	3

Descriptive statistics

Standard deviation	1.741575091
Coefficient of variation (CV)	0.5517330898
Kurtosis	-1.053197706
Mean	3.156553637
Median Absolute Deviation (MAD)	1
Skewness	0.01327148243
Sum	384645
Variance	3.033083798

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
3	22544	18.5%
2	20907	17.2%
1	19712	16.2%
4	19668	16.1%
5	19613	16.1%
6	13125	10.8%
0	6287	5.2%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	6287	5.2%
1	19712	16.2%
2	20907	17.2%
3	22544	18.5%
4	19668	16.1%

Value	Count	Frequency (%)
6	13125	10.8%
5	19613	16.1%
4	19668	16.1%
3	22544	18.5%
2	20907	17.2%

Application_Process_Hour
Real number (ℝ_≥0)

Distinct count	24
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	12.061203387605042
Minimum	0.0
Maximum	23.0
Zeros	26
Zeros (%)	< 0.1%
Memory size	952.0 KiB

Quantile statistics

Minimum	0
5-th percentile	7
Q1	10
median	12
Q3	14
95-th percentile	17
Maximum	23
Range	23
Interquartile range (IQR)	4

Descriptive statistics

Standard deviation	3.231026936
Coefficient of variation (CV)	0.2678859507
Kurtosis	-0.09479097959
Mean	12.06120339
Median Absolute Deviation (MAD)	2
Skewness	-0.03300076315
Sum	1469730
Variance	10.43953506

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
12	16640	13.7%
10	14465	11.9%
11	14413	11.8%
13	11765	9.7%
14	10702	8.8%
9	10525	8.6%
15	9614	7.9%
16	7739	6.4%
17	5843	4.8%
8	5821	4.8%
Other values (14)	14329	11.8%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	26	< 0.1%
1	28	< 0.1%
2	112	0.1%
3	506	0.4%
4	854	0.7%

Value	Count	Frequency (%)
23	14	< 0.1%
22	67	0.1%
21	164	0.1%
20	494	0.4%
19	1464	1.2%

Client_Permanent_Match_Tag
Boolean

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

Yes	112454
No	9402

Frequency Table

Value	Count	Frequency (%)
Yes	112454	92.3%
No	9402	7.7%

Client_Contact_Work_Tag
Boolean

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

Yes	100015
No	21841

Frequency Table

Value	Count	Frequency (%)
Yes	100015	82.1%
No	21841	17.9%

Type_Organization
Categorical

HIGH CARDINALITY

Distinct count	58
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

Business Entity Type 3	26279
XNA	21085
Self-employed	14725
Other	9899
Medicine	4320
Other values (53)	45548

Common Values
Length

Value	Count	Frequency (%)
Business Entity Type 3	26279	21.6%
XNA	21085	17.3%
Self-employed	14725	12.1%
Other	9899	8.1%
Medicine	4320	3.5%
Business Entity Type 2	4126	3.4%
Government	3971	3.3%
School	3371	2.8%
Trade: type 7	2979	2.4%
Kindergarten	2686	2.2%
Other values (48)	28415	23.3%

Length

Max length	22
Median length	13
Mean length	12.33328683
Min length	3

Phone_Change
Real number (ℝ_≥0)

ZEROS

Distinct count	3590
Unique (%)	2.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	955.8787339154412
Minimum	0.0
Maximum	4185.0
Zeros	14555
Zeros (%)	11.9%
Memory size	952.0 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	287
median	755
Q3	1550
95-th percentile	2510
Maximum	4185
Range	4185
Interquartile range (IQR)	1263

Descriptive statistics

Standard deviation	816.2003833
Coefficient of variation (CV)	0.853874403
Kurtosis	-0.2085030367
Mean	955.8787339
Median Absolute Deviation (MAD)	602
Skewness	0.7479120311
Sum	116479559
Variance	666183.0657

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
0	14555	11.9%
755	3697	3.0%
1	1104	0.9%
2	916	0.8%
3	645	0.5%
4	524	0.4%
5	322	0.3%
6	216	0.2%
7	179	0.1%
8	118	0.1%
Other values (3580)	99580	81.7%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	14555	11.9%
1	1104	0.9%
2	916	0.8%
3	645	0.5%
4	524	0.4%

Value	Count	Frequency (%)
4185	1	< 0.1%
4153	1	< 0.1%
4128	2	< 0.1%
4121	1	< 0.1%
4092	2	< 0.1%

Credit_Bureau
Real number (ℝ_≥0)

ZEROS

Distinct count	21
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	1.75550649947479
Minimum	0.0
Maximum	22.0
Zeros	28003
Zeros (%)	23.0%
Memory size	952.0 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	1
median	1
Q3	3
95-th percentile	5
Maximum	22
Range	22
Interquartile range (IQR)	2

Descriptive statistics

Standard deviation	1.744052786
Coefficient of variation (CV)	0.9934755503
Kurtosis	3.122806111
Mean	1.755506499
Median Absolute Deviation (MAD)	1
Skewness	1.512538128
Sum	213919
Variance	3.041720119

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
1	43112	35.4%
0	28003	23.0%
2	19606	16.1%
3	13102	10.8%
4	7978	6.5%
5	4671	3.8%
6	2660	2.2%
7	1421	1.2%
8	832	0.7%
9	422	0.3%
Other values (11)	49	< 0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	28003	23.0%
1	43112	35.4%
2	19606	16.1%
3	13102	10.8%
4	7978	6.5%

Value	Count	Frequency (%)
22	1	< 0.1%
21	2	< 0.1%
19	5	< 0.1%
17	2	< 0.1%
16	1	< 0.1%

Default
Boolean

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	952.0 KiB

0	112011
1	9845

Frequency Table

Value	Count	Frequency (%)
0	112011	91.9%
1	9845	8.1%

Pearson's r

The Pearson's correlation coefficient (r) is a measure of linear correlation between two variables. It's value lies between -1 and +1, -1 indicating total negative linear correlation, 0 indicating no linear correlation and 1 indicating total positive linear correlation. Furthermore, r is invariant under separate changes in location and scale of the two variables, implying that for a linear function the angle to the x-axis does not affect r.

To calculate r for two variables X and Y, one divides the covariance of X and Y by the product of their standard deviations.

Spearman's ρ

The Spearman's rank correlation coefficient (ρ) is a measure of monotonic correlation between two variables, and is therefore better in catching nonlinear monotonic correlations than Pearson's r. It's value lies between -1 and +1, -1 indicating total negative monotonic correlation, 0 indicating no monotonic correlation and 1 indicating total positive monotonic correlation.

To calculate ρ for two variables X and Y, one divides the covariance of the rank variables of X and Y by the product of their standard deviations.

Kendall's τ

Similarly to Spearman's rank correlation coefficient, the Kendall rank correlation coefficient (τ) measures ordinal association between two variables. It's value lies between -1 and +1, -1 indicating total negative correlation, 0 indicating no correlation and 1 indicating total positive correlation.

To calculate τ for two variables X and Y, one determines the number of concordant and discordant pairs of observations. τ is given by the number of concordant pairs minus the discordant pairs divided by the total number of pairs.

Phik (φk)

Phik (φk) is a new and practical correlation coefficient that works consistently between categorical, ordinal and interval variables, captures non-linear dependency and reverts to the Pearson correlation coefficient in case of a bivariate normal input distribution. There is extensive documentation available here.

Cramér's V (φc)

Cramér's V is an association measure for nominal random variables. The coefficient ranges from 0 to 1, with 0 indicating independence and 1 indicating perfect association. The empirical estimators used for Cramér's V have been proved to be biased, even for large samples. We use a bias-corrected measure that has been proposed by Bergsma in 2013 that can be found here.

Count
Matrix

First rows

	Client_Income	Car_Owned	Bike_Owned	Active_Loan	House_Own	Child_Count	Credit_Amount	Loan_Annuity	Accompany_Client	Client_Income_Type	Client_Education	Client_Marital_Status	Client_Gender	Loan_Contract_Type	Client_Housing_Type	Population_Region_Relative	Age_Days	Employed_Days	Registration_Days	ID_Days	Own_House_Age	Mobile_Tag	Homephone_Tag	Workphone_Working	Client_Occupation	Client_Family_Members	Cleint_City_Rating	Application_Process_Day	Application_Process_Hour	Client_Permanent_Match_Tag	Client_Contact_Work_Tag	Type_Organization	Phone_Change	Credit_Bureau
0	6750.0	0.0	0.0	1.0	0.0	0.0	61190.55	3416.85	Alone	Commercial	Secondary	M	Male	CL	Home	0.028663	13957.0	1062.0	6123.0	383.0	9.0	1.0	1.0	0.0	Sales	2.0	2.0	6.0	17.0	Yes	Yes	Self-employed	63.0	1.0
1	20250.0	1.0	0.0	1.0	1.0	0.0	15282.00	1826.55	Alone	Service	Graduation	M	Male	CL	Home	0.008575	14162.0	4129.0	7833.0	21.0	0.0	1.0	0.0	1.0	Other	2.0	2.0	3.0	10.0	Yes	Yes	Government	755.0	1.0
2	18000.0	0.0	0.0	1.0	0.0	1.0	59527.35	2788.20	Alone	Service	Graduation dropout	W	Male	CL	Family	0.022800	16790.0	5102.0	4493.0	331.0	9.0	1.0	0.0	0.0	Realty agents	2.0	2.0	4.0	12.0	Yes	Yes	Self-employed	277.0	0.0
3	15750.0	0.0	0.0	1.0	1.0	0.0	53870.40	2295.45	Alone	Retired	Secondary	M	Male	CL	Home	0.010556	23195.0	365243.0	4493.0	775.0	9.0	1.0	0.0	0.0	Other	2.0	3.0	2.0	15.0	Yes	Yes	XNA	1700.0	3.0
4	33750.0	1.0	0.0	1.0	0.0	2.0	133988.40	3547.35	Alone	Commercial	Secondary	M	Female	CL	Home	0.020713	11366.0	2977.0	5516.0	4043.0	6.0	1.0	0.0	0.0	Laborers	4.0	1.0	3.0	12.0	Yes	Yes	Business Entity Type 3	674.0	1.0
5	11250.0	0.0	1.0	1.0	1.0	1.0	13752.00	653.85	Alone	Service	Secondary	W	Female	CL	Home	0.019101	13881.0	1184.0	3910.0	3910.0	9.0	1.0	0.0	0.0	Laborers	2.0	2.0	2.0	10.0	Yes	Yes	Other	739.0	0.0
6	15750.0	1.0	1.0	0.0	1.0	0.0	128835.00	3779.55	Alone	Retired	Secondary	S	Male	CL	Home	0.016612	21323.0	365243.0	113.0	4855.0	10.0	1.0	0.0	0.0	Other	1.0	2.0	3.0	14.0	Yes	Yes	XNA	0.0	3.0
7	13500.0	0.0	0.0	1.0	1.0	0.0	60415.20	3097.80	Alone	Retired	Secondary	M	Male	CL	Home	0.009175	22493.0	365243.0	12617.0	5280.0	9.0	1.0	0.0	1.0	Other	2.0	2.0	4.0	15.0	Yes	Yes	XNA	1687.0	4.0
8	13500.0	1.0	1.0	0.0	1.0	1.0	45000.00	1200.15	Relative	Commercial	Graduation	M	Female	CL	Home	0.006008	15734.0	7889.0	5455.0	2665.0	14.0	1.0	0.0	1.0	Sales	3.0	2.0	4.0	13.0	Yes	Yes	Self-employed	1611.0	0.0
9	12150.0	0.0	0.0	0.0	1.0	0.0	16320.15	1294.65	Alone	Retired	Secondary	W	Male	CL	Home	0.016612	20507.0	365243.0	2834.0	4053.0	9.0	1.0	0.0	0.0	Other	1.0	2.0	3.0	9.0	Yes	Yes	XNA	533.0	5.0

Last rows

	Client_Income	Car_Owned	Bike_Owned	Active_Loan	House_Own	Child_Count	Credit_Amount	Loan_Annuity	Accompany_Client	Client_Income_Type	Client_Education	Client_Marital_Status	Client_Gender	Loan_Contract_Type	Client_Housing_Type	Population_Region_Relative	Age_Days	Employed_Days	Registration_Days	ID_Days	Own_House_Age	Mobile_Tag	Homephone_Tag	Workphone_Working	Client_Occupation	Client_Family_Members	Cleint_City_Rating	Application_Process_Day	Application_Process_Hour	Client_Permanent_Match_Tag	Client_Contact_Work_Tag	Type_Organization	Phone_Change	Credit_Bureau	Default
121846	12150.0	0.0	1.0	0.0	1.0	0.0	25470.00	1462.05	Alone	Retired	Graduation dropout	S	Male	CL	Home	0.025164	24123.0	365243.0	9523.0	795.0	9.0	1.0	0.0	0.0	Other	1.0	2.0	3.0	9.0	Yes	Yes	XNA	0.0	0.0	0
121847	15750.0	1.0	0.0	1.0	1.0	0.0	26128.80	1283.85	Alone	Commercial	Other	M	Male	CL	Home	0.018850	14025.0	1107.0	507.0	4514.0	24.0	1.0	0.0	0.0	Managers	2.0	1.0	5.0	9.0	Yes	Yes	Business Entity Type 3	1175.0	1.0	0
121848	18000.0	1.0	1.0	0.0	0.0	1.0	27302.40	2169.90	Alone	Service	Secondary	M	Female	CL	Home	0.035792	11073.0	1521.0	4883.0	3602.0	23.0	1.0	0.0	0.0	Sales	3.0	2.0	2.0	14.0	Yes	Yes	Housing	1718.0	2.0	0
121849	10350.0	0.0	1.0	0.0	0.0	0.0	18792.90	1736.55	Alone	Service	Graduation dropout	S	Male	CL	Municipal	0.010032	9204.0	763.0	3773.0	1874.0	9.0	1.0	0.0	1.0	Sales	1.0	2.0	3.0	11.0	Yes	Yes	Self-employed	774.0	1.0	0
121850	12150.0	0.0	0.0	1.0	0.0	0.0	78192.00	2383.65	Alone	Retired	Secondary	S	Male	CL	Home	0.018850	23943.0	365243.0	1213.0	4011.0	9.0	1.0	0.0	0.0	Other	1.0	2.0	2.0	11.0	Yes	Yes	XNA	1581.0	2.0	0
121851	29250.0	0.0	0.0	0.0	1.0	0.0	107820.00	3165.30	Relative	Service	Secondary	M	Female	CL	Home	0.031329	12889.0	2863.0	2661.0	2943.0	9.0	1.0	0.0	0.0	Laborers	2.0	2.0	4.0	16.0	Yes	No	Business Entity Type 2	0.0	1.0	1
121852	15750.0	0.0	1.0	1.0	0.0	0.0	104256.00	3388.05	Alone	Commercial	Graduation	M	Female	CL	Home	0.018209	8648.0	636.0	902.0	1209.0	9.0	1.0	1.0	0.0	Sales	2.0	3.0	4.0	12.0	Yes	Yes	Self-employed	4.0	0.0	0
121853	8100.0	0.0	1.0	0.0	1.0	1.0	55107.90	2989.35	Alone	Govt Job	Secondary	M	Male	CL	Home	0.008068	9152.0	1623.0	3980.0	353.0	9.0	1.0	0.0	0.0	High skill tech	3.0	3.0	5.0	11.0	No	No	Trade: type 6	0.0	1.0	0
121854	38250.0	1.0	1.0	0.0	1.0	0.0	45000.00	2719.35	Alone	Service	Graduation	M	Female	CL	Home	0.028663	10290.0	847.0	895.0	2902.0	4.0	1.0	0.0	0.0	Sales	2.0	2.0	1.0	12.0	Yes	Yes	Business Entity Type 3	0.0	2.0	0
121855	9000.0	1.0	1.0	1.0	1.0	1.0	62428.95	4201.65	Alone	Commercial	Secondary	S	Male	CL	Home	0.018029	14772.0	498.0	8679.0	5025.0	6.0	1.0	0.0	0.0	Managers	2.0	3.0	4.0	6.0	Yes	Yes	Business Entity Type 3	805.0	0.0	0

Most frequent

	Client_Income	Car_Owned	Bike_Owned	Active_Loan	House_Own	Child_Count	Credit_Amount	Loan_Annuity	Accompany_Client	Client_Income_Type	Client_Education	Client_Marital_Status	Client_Gender	Loan_Contract_Type	Client_Housing_Type	Population_Region_Relative	Age_Days	Employed_Days	Registration_Days	ID_Days	Own_House_Age	Mobile_Tag	Homephone_Tag	Workphone_Working	Client_Occupation	Client_Family_Members	Cleint_City_Rating	Application_Process_Day	Application_Process_Hour	Client_Permanent_Match_Tag	Client_Contact_Work_Tag	Type_Organization	Phone_Change	Credit_Bureau	count
0	2700.0	0.0	0.0	1.0	1.0	0.0	9594.00	1020.15	Alone	Service	Secondary	M	Male	CL	Home	0.028663	19128.0	1323.0	4646.0	2670.0	9.0	1.0	1.0	0.0	Security	2.0	2.0	5.0	7.0	Yes	No	Agriculture	3.0	1.0	2
1	2700.0	1.0	1.0	1.0	0.0	0.0	76022.55	3233.70	Alone	Retired	Secondary	M	Male	CL	Home	0.019101	20923.0	365243.0	2281.0	4289.0	7.0	1.0	0.0	0.0	Other	2.0	2.0	1.0	11.0	Yes	Yes	XNA	621.0	2.0	2
2	3015.0	0.0	1.0	0.0	1.0	0.0	28856.25	1669.50	Alone	Retired	Junior secondary	M	Female	CL	Home	0.031329	23770.0	365243.0	1053.0	4945.0	9.0	1.0	0.0	0.0	Other	2.0	2.0	4.0	7.0	Yes	Yes	XNA	210.0	2.0	2
3	3150.0	0.0	0.0	0.0	0.0	0.0	45000.00	3044.25	Alone	Govt Job	Secondary	M	Male	CL	Home	0.018029	10317.0	1112.0	2683.0	2681.0	9.0	1.0	1.0	1.0	Other	2.0	3.0	2.0	15.0	Yes	Yes	School	1724.0	0.0	2
4	3150.0	0.0	0.0	0.0	0.0	2.0	10188.00	676.35	Alone	Commercial	Secondary	S	Male	CL	Municipal	0.018634	11240.0	776.0	10403.0	3470.0	9.0	1.0	1.0	0.0	Low-skill Laborers	3.0	2.0	2.0	9.0	Yes	No	Business Entity Type 2	448.0	1.0	2
5	3150.0	0.0	0.0	1.0	0.0	2.0	33750.00	2666.25	Alone	Commercial	Secondary	M	Male	CL	Home	0.028663	14280.0	179.0	7385.0	3102.0	9.0	1.0	0.0	0.0	Cleaning	4.0	2.0	4.0	12.0	Yes	Yes	School	1810.0	1.0	2
6	3150.0	0.0	0.0	1.0	1.0	0.0	10188.00	581.85	Alone	Retired	Secondary	S	Male	CL	Home	0.019689	24323.0	365243.0	180.0	4037.0	9.0	1.0	0.0	1.0	Other	1.0	2.0	3.0	9.0	Yes	Yes	XNA	3254.0	1.0	2
7	3240.0	0.0	0.0	0.0	1.0	0.0	11376.00	648.00	Kids	Service	Secondary	M	Male	CL	Home	0.018850	18392.0	1581.0	6643.0	1945.0	9.0	1.0	1.0	0.0	Other	2.0	2.0	3.0	12.0	Yes	Yes	Business Entity Type 3	1047.0	1.0	2
8	3375.0	0.0	1.0	0.0	0.0	0.0	107820.00	3165.30	Alone	Retired	Secondary	M	Male	CL	Home	0.046220	21157.0	365243.0	6859.0	4247.0	9.0	1.0	0.0	0.0	Other	2.0	1.0	2.0	17.0	Yes	Yes	XNA	785.0	2.0	2
9	3600.0	0.0	0.0	1.0	1.0	0.0	16789.50	1635.30	Alone	Retired	Secondary	M	Male	CL	Home	0.031329	21705.0	365243.0	10011.0	3925.0	9.0	1.0	0.0	0.0	Other	2.0	2.0	6.0	11.0	Yes	Yes	XNA	1749.0	1.0	2

Overview

Variables

Interactions

Correlations

Pearson's r

Spearman's ρ

Kendall's τ

Phik (φk)

Cramér's V (φc)

Missing values

Sample

First rows

Last rows

Duplicate rows

Most frequent